Pay With eCheck Online: 6 Reasons to Skip Mailing Paper Checks

If you want to pay with eCheck online, you get the reliability of a check without the trip to the mailbox. An eCheck is simply a digital version of a paper check that you email to the payee as a secure, printable PDF. They can print and deposit it, or deposit it straight from their phone. Paper checks are still everywhere: the Federal Reserve found check payments moved $27.23 trillion in value in 2021, so a faster way to send them matters. OnlineCheckWriter.com, powered by Zil Money, lets you create and email that check from one simple dashboard, so a payment that once sat in the mail now goes out online instead.

The Real Problems With Mailing Paper Checks

Mailing a check feels safe because it is familiar. However, the paper trail creates problems the moment it leaves your hands.

• Postage and supplies add up: Stamps, envelopes, toner, and check stock all cost money. Meanwhile, someone on your team has to stuff and seal each one.
• Delivery is slow and blind: Once a check is in the mail, you cannot see it. So a lost envelope becomes a reissue, a stop payment, and an awkward vendor call.
• Paper is a fraud magnet: A mailed check exposes your account and routing numbers. In fact, checks are the payment type most targeted by fraud, hitting 63% of organizations in the AFP survey.
• Reconciliation lags: You wait for the check to clear before you know where you stand. As a result, month-end forecasting gets fuzzy.
• Remote teams struggle: A printer and a mailbox do not travel well. Therefore a hybrid AP team hits a wall on payment day.

How OnlineCheckWriter.com Solves These Problems

Each fix below maps to a problem above, not to a feature list.

• No postage, no supplies: You send an eCheck by email instead of by mail. So the stamps, envelopes, and stuffing simply disappear.
• Full visibility: Because the payment is digital, you track its status in the dashboard. Then a “did you get it?” email is never needed again.
• Fewer exposure points: An eCheck shares details through a secured link rather than a printed page. This narrows the openings fraudsters use.
• Faster delivery: An emailed eCheck reaches the payee subject to cut-off times and compliance reviews, so they can deposit it without waiting on the mail. Clearing then follows their bank’s normal check-hold times.
• Pay in bulk: You can send many eChecks at once through bulk payments. As a result, a 50-vendor run stops eating an afternoon.

Why eChecks Are Growing So Fast

The move to eChecks is part of a much larger shift toward electronic bank payments. Businesses are leading it. Nacha reported that B2B ACH payments rose to 8.1 billion transactions in 2025, a 9.9% jump over the prior year. That growth is not hype. It reflects finance teams leaving paper behind for methods that are traceable, lower-touch, and easy to reconcile.

An eCheck fits that trend without forcing anyone to change how they think. It still looks and behaves like a check, so vendors understand it right away. Yet it removes the paper, the postage, and the guesswork. Better yet, you are not locked in. When a supplier still wants paper, the same platform prints and mails the check for you. That flexibility is why so many AP teams start with one eCheck and never look back. Sign up to see how it fits your payment run.

Frequently Asked Questions

OnlineCheckWriter.com, powered by Zil Money, is a financial technology company and not a bank. Banking services are provided by our partner bank, Member FDIC. FDIC insurance applies only to eligible products associated with those that have funds held in accounts at the partner bank, subject to applicable limits and requirements.